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Level 2
posted Jan 31, 2021 9:17:49 AM

CARES ACT RMD returned, but IRA basis reduced

I returned the RMD to my IRA, receiving a 1099-R and 5489 showing the distribution and rollover.  TurboTax correctly shows that the distribution is not taxable.  But TurboTax reduces my basis by that amount.  Weird.  Please help.

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1 Best answer
Level 15
Jan 31, 2021 9:36:00 AM

You should not have a 8606 form at all for a CARES act rollover.

 

Delete the 1099-R form and check you forms list.  If there is a 8606 there, is there another 1099-R that created it?

 

Re-enter the 1099-R for the rollover and be SURE to answer the RMD question that "NONE of this distribution was a RMD" because it was not.    You should go directly  to the screen for a rollover and never get to the "basis" questions.

2 Replies
Level 15
Jan 31, 2021 9:36:00 AM

You should not have a 8606 form at all for a CARES act rollover.

 

Delete the 1099-R form and check you forms list.  If there is a 8606 there, is there another 1099-R that created it?

 

Re-enter the 1099-R for the rollover and be SURE to answer the RMD question that "NONE of this distribution was a RMD" because it was not.    You should go directly  to the screen for a rollover and never get to the "basis" questions.

Level 2
Jan 31, 2021 10:24:32 PM

Thanks for the help!  You solved the problem.   The basis issue resolved itself when I followed your instructions on the RMD question.  There were no basis questions in the interview.  I had noticed the change in the 8606 and couldn't figure out why it was incorrectly stating the basis.

 

Be well.